Toyaj Pandey
Noida
Summary
Dynamic banking professional with extensive experience at Axis Bank Ltd, specializing in fraud and risk management. Proven track record in enhancing fraud controls and implementing robust governance protocols. Skilled in credit analysis and relationship building, driving significant improvements in operational efficiency and client satisfaction.
Overview
13
13
years of professional experience
Work History
Assistant Vice President
Axis Bank Ltd
Noida
01.2025 - Current
- Uncovered corporate lending frauds involving forgery, misrepresentation, and borrower collusion.
- Enhanced fraud controls through collaboration with risk, compliance, and legal teams to mitigate potential losses.
- Built and applied detection models based on borrower behavior and transaction trends.
- Led root-cause analyses to plug control gaps and prevent recurrence.
- Coordinated with RBI, credit bureaus, and law enforcement on high-value cases.
- Trained credit staff on fraud typologies and early warning signs.
- Utilized analytics tools to monitor KRIs and proactively flag real-time anomalies for timely intervention.
- Minimized fraud losses by implementing process improvements and establishing robust governance protocols.
Senior Manager/Credit Manager
Axis Bank Ltd
Noida
10.2022 - 01.2025
- Managed disbursement of Rs 5 Crores for NTB loans; evaluated risk ratings for loans up to Rs 10 Crores to ensure sound lending decisions.
- Underwrote and monitored working capital loans, project funding, and non-fund based facilities to support client financing needs.
- Led cross-functional teams to implement strategic banking initiatives.
- Developed risk management frameworks for various banking operations.
- Mentored junior staff on compliance and regulatory requirements.
Corporate Credit Officer (Manager/Scale-II)
Karur Vysya Bank
New Delhi
09.2017 - 09.2022
- Promoted from Assistant Manager (Scale I) to Manager (Scale II) in July 2020.
- Detailed project appraisal involving financial modeling/Information Memorandum.
- Corporate Credit Appraisal, underwriting, Ensure Portfolio Quality Index, & risk analysis.
- Preparation of Documents/Disbursement of Loan/Post Sanction Follow-up.
- Monitoring including term loan review/Detection of Early Warning Signals in Accounts/followup for insurance and valuation of Collateral, Stock Statement of CC limits.
Relationship Officer-CBG (Assistant Manager/Scale-1)
Karur Vysya Bank
Kolkata
04.2017 - 08.2017
- Managed disbursement and conducted post-sanction follow-up to ensure compliance and client satisfaction.
- Prepared sanction letters and documentation to facilitate loan approvals.
- Provided recommendations to Divisional Office regarding client matters.
- Sourced new commercial clients, appraised and processed MSME and commercial proposals to enhance client portfolio.
Branch Banking (Assistant Manager (Scale I)-Credit Officer)
Karur Vysya Bank
Kolkata
04.2015 - 03.2017
- Started as Operation officer (Scale-I) in Kolkata Ballygunge Branch (A 300 Cr Branch in Business) for first 6 months. Later worked in Credit and Forex department till March 2017.
- Managed and monitored branch credit portfolio performance to ensure alignment with business objectives.
- Managed the credit portfolio of the branch.
- Addressed the short-term and long-term funding needs of business clients and individual customers.
- Advised clients on mortgage options and loan products to meet their financial needs.
- Built and nurtured relationships with high net worth individuals to enhance client loyalty.
- Working closely with small and medium sized businesses.
Branch Banking (Operations)
Karur Vysya Bank
Bagnan
10.2013 - 03.2015
- Coordinated daily branch banking tasks to ensure operational continuity.
- Executed marketing strategies for new retail customer acquisition.
- Assisted senior staff in managing branch credit portfolio.
- The Bagnan branch operated as a mid-size branch in terms of business turnover.
Education
Masters in Business Administration -
Amity University
Noida07-2026
B.Tech -
Uttar Pradesh Technical University
Moradabad, Uttar Pradesh06-2011
Senior Secondary/Intermediate -
UP Board
Prayagraj06-2007
Secondary/Highschool -
UP Board
Prayagraj06-2004
Skills
- Fraud & Risk Management
- Fraud prevention
- Fraud analytics
- Risk management
- Operational Risk Management
- Risk approval
- Credit Analysis
- Credit underwriting
- Corporate Lending
- Project Appraisal
- Credit worthiness
Languages
- Hindi
- English
Family Background
Father- Shri Jeewan Kumar Pandey, Retired Tehsildar, UP Government,
Mother- Smt Suman Pandey, Homemaker,
Spouse-Smt Deepti Pandey, Primary School Teacher,
Son-Advik Pandey- 8 years & Avyaan Pandey- 4 years
Personal Traits
- Dependable and truthful.
- Ability to keep calm under pressure.
- Self starter.
- Highly disciplined.
- Having the ability to work accurately.
- Excellent negotiating skills.
- Comprehensive understanding of client confidentiality.
- Methodical and organized.
- Ability to motivate subordinates.
- Initiative and ingenuity.
Hobbies and Interests
- Playing Cricket
- Music
Timeline
Assistant Vice President
Axis Bank Ltd
01.2025 - Current
Senior Manager/Credit Manager
Axis Bank Ltd
10.2022 - 01.2025
Corporate Credit Officer (Manager/Scale-II)
Karur Vysya Bank
09.2017 - 09.2022
Relationship Officer-CBG (Assistant Manager/Scale-1)
Karur Vysya Bank
04.2017 - 08.2017
Branch Banking (Assistant Manager (Scale I)-Credit Officer)
Karur Vysya Bank
04.2015 - 03.2017
Branch Banking (Operations)
Karur Vysya Bank
10.2013 - 03.2015
Masters in Business Administration -
Amity University
B.Tech -
Uttar Pradesh Technical University
Senior Secondary/Intermediate -
UP Board
Secondary/Highschool -
UP Board